Due to the high cost of health care in the United States, (a regular doctor's visit $70-150, a visit to a hospital emergency room $1500+) most U.S. citizens rely on medical insurance to help cover these costs. Without insurance, a serious accident or injury for international students can be financially devastating and can lead to the end of an academic career. Therefore, all international students attending Earlham are required to have health insurance. Students must participate in the Earlham health insurance plan if they cannot provide proof of equal or better insurance that covers them while in the U.S.
Typically, insurance in the U.S. covers only a portion of medical expenses and you are responsible for paying the balance directly to your health care provider. Earlham's current plan covers 80% (in network) or 60% (out-of-network) of basic medical expenses up to $100,000 a year. There is an annual deductible of $100. The 2018-2019 fee for one full year is $979.00. You will be automatically billed in the fall for Earlham College Student Health Insurance Plan for the entire year, unless you can provide proof of equal or better coverage within the U.S. Eyeglasses and dental work are not covered by Earlham student insurance. Contact the office of Human Resources for more information.